Gemmel Posted 22 March, 2012 Share Posted 22 March, 2012 How much does living or your scial life cost you a month? Not asking how much you earn, but after all the necessary bills have been paid, how much do you need to support your lifestyle? Obvioulsy it is going to vary depending if you have or support kids etc. , but we seem to burn loads here, without having an extravagant lifestyle. Link to comment Share on other sites More sharing options...
trousers Posted 22 March, 2012 Share Posted 22 March, 2012 How much does living or your scial life cost you a month? Not asking how much you earn, but after all the necessary bills have been paid, how much do you need to support your lifestyle? Obvioulsy it is going to vary depending if you have or support kids etc. , but we seem to burn loads here, without having an extravagant lifestyle. Good question. Would have to go away and number crunch for a while to come up with an accurate figure. Also, what do you count as "essential" outgoings? Would something like an optional critical illness insurance policy count as "essential" for example? Things like petrol fall in both the essential and non-essential camp. Anyway, I'm possibly thinking too hard about it so, my extremely rough top of head guess would be somewhere between £1k - £2k per month on "lifestyle" expenditure. (for a family of four). Link to comment Share on other sites More sharing options...
buctootim Posted 22 March, 2012 Share Posted 22 March, 2012 Everytime I do an exercise like this Im amazed at how much we trough through with little 'concrete' to show for it. Part of me wants to pay off the mortage and contribute more to pension and part wants to do something fun and different almost every weekend while the kids are young. Link to comment Share on other sites More sharing options...
Gemmel Posted 22 March, 2012 Author Share Posted 22 March, 2012 Good question. Would have to go away and number crunch for a while to come up with an accurate figure. Also, what do you count as "essential" outgoings? Would something like an optional critical illness insurance policy count as "essential" for example? Things like petrol fall in both the essential and non-essential camp. Anyway, I'm possibly thinking too hard about it so, my extremely rough top of head guess would be somewhere between £1k - £2k per month on "lifestyle" expenditure. (for a family of four). Illness cover would go down as essential, so i'm thinking of more the day to day costs of living and socialising. Link to comment Share on other sites More sharing options...
trousers Posted 22 March, 2012 Share Posted 22 March, 2012 Illness cover would go down as essential, so i'm thinking of more the day to day costs of living and socialising. So a Southampton season ticket would be classed as non-essential? Link to comment Share on other sites More sharing options...
Pancake Posted 22 March, 2012 Share Posted 22 March, 2012 (edited) Anyway, I'm possibly thinking too hard about it so, my extremely rough top of head guess would be somewhere between £1k - £2k per month on "lifestyle" expenditure. (for a family of four). Holy crap, 1-2k per month on frivolities? I wish I was you Trousers. I would say £250 per month would see me OK. TBH, I hardly every spend that each month anyway. Edited 22 March, 2012 by Pancake Link to comment Share on other sites More sharing options...
Gemmel Posted 22 March, 2012 Author Share Posted 22 March, 2012 Holy crap, 1-2k per month on frivolities? I wish I was you Trousers. I would say £250 per month would see me OK. TBH, I hardly every spend that each month anyway. But there's four of him (So to speak) so yours would equate to 1k respectively Link to comment Share on other sites More sharing options...
Pancake Posted 22 March, 2012 Share Posted 22 March, 2012 But there's four of him (So to speak) so yours would equate to 1k respectively Nah, 250 for me and similar for my wife, kids (x2) need 50 (if that) each I would think. And a good portion of my "frivolities" would be stuff for the family anyway. Link to comment Share on other sites More sharing options...
trousers Posted 22 March, 2012 Share Posted 22 March, 2012 Holy crap, 1-2k per month on frivolities? I wish I was you Trousers. I would say £250 per month would see me OK. TBH, I hardly every spend that each month anyway. My figure wasn't just based on "frivolities" though....it was a figure I plucked off the top of my head before Gemmel clarified what was "essential" and "non-essential" for the purposes of this 'survey'. Another factor for me is that I pay school fees for my daughter. Some might class that as a "frivolity" (i.e. it's something I do that is optional) Link to comment Share on other sites More sharing options...
Minty Posted 22 March, 2012 Share Posted 22 March, 2012 This is the kind of question that people should be asked before they then give a soundbite on BBC news to say how hard life is and how they can't afford to eat or buy Johnny some new shoes, when in the background they've got Sky Sports showing on a 50 inch plasma... Link to comment Share on other sites More sharing options...
SuperMikey Posted 22 March, 2012 Share Posted 22 March, 2012 My bills probably come to about £50 a month (I don't pay council tax as i'm still a student), rent is £300pcm and then around £20 p/w for food and about £15 for fags. Saints is probably my biggest expenditure, £20 for a ticket then around £30 for the bus, lunch and the pub(s) means I usually fork out around £50+ for a home game. If it's a midweek game then i'll probably only spend around £35 as we'll start drinking later. So saying we have 3 home games on average in a month, it'll put my total expenditure for the month at around £535 - I usually earn slightly more than that from my jobs. Been very skint recently though, so food has gone down to around £7 a week and i've been working more hours - should be in a better financial state this time next week after pay day! Link to comment Share on other sites More sharing options...
Pancake Posted 22 March, 2012 Share Posted 22 March, 2012 This is the kind of question that people should be asked before they then give a soundbite on BBC news to say how hard life is and how they can't afford to eat or buy Johnny some new shoes, when in the background they've got Sky Sports showing on a 50 inch plasma... Agree, but Sky is a "bill" and the TV is a one off purchase, not a monthly as per the OP. Link to comment Share on other sites More sharing options...
Dibden Purlieu Saint Posted 22 March, 2012 Share Posted 22 March, 2012 I struggle off about £600 disposable...Maybe I need to look at my expenditure. Link to comment Share on other sites More sharing options...
iansums Posted 22 March, 2012 Share Posted 22 March, 2012 Most of my surplus cash each month goes towards paying the mortgage off, this is because I am a boring ****. It will be paid off before I'm 50 though! Link to comment Share on other sites More sharing options...
Saint-scooby Posted 22 March, 2012 Share Posted 22 March, 2012 I eat out a lot, dont drink that much so I guess £300 > 400 a month Link to comment Share on other sites More sharing options...
Colinjb Posted 22 March, 2012 Share Posted 22 March, 2012 (edited) No-one to pay for but me, 400 pounds a month ish. Save the remainder. Edited 22 March, 2012 by Colinjb Link to comment Share on other sites More sharing options...
Thedelldays Posted 22 March, 2012 Share Posted 22 March, 2012 (edited) after mortgage, car loan and bills I have about £1400 left over however, I am about to embark in a career change within work and will see that cut by about £500 a month but I am selling my flat... Edited 22 March, 2012 by Thedelldays Link to comment Share on other sites More sharing options...
nathan Posted 22 March, 2012 Share Posted 22 March, 2012 I have about £500 after bills to spend at the moment and easily spend this each month. This purely goes on alcohol, food, clothes, and petrol. I never have any cash left at end of the month. From June I will have about £1000 dsiposable but will probably end up frittering this away as well. I always seem to live to my means, never been a fan of saving. Link to comment Share on other sites More sharing options...
Pancake Posted 22 March, 2012 Share Posted 22 March, 2012 No-one to pay for but me, 400 pounds a month ish. Save the remainder. Yeah, forgot this bit. I whack away about a 1k each month, so that brings me more in line with Trousers figures I guess. Link to comment Share on other sites More sharing options...
Delboy Dave Posted 23 March, 2012 Share Posted 23 March, 2012 Fkin hell, what do you guys do for work that leaves you with so much?! I barely earn £1400 a month never mind have it left over! Link to comment Share on other sites More sharing options...
Dr Who? Posted 23 March, 2012 Share Posted 23 March, 2012 I look out my outgoings list and it is shocking. 2 mortgages 3 loans 5 credit cards 1 store card 3 kids. End of the month always scrapping by, but our income is over 60k a per year. Once the loans are paid off we will be minted, if we keep hold of our jobs! Link to comment Share on other sites More sharing options...
Jack Posted 24 March, 2012 Share Posted 24 March, 2012 F*ck knows how, but me and the girlfriend still end up struggling to save any considerable money on £50k+ between us. I chuck £500 in the joint account for rent, sky, council tax etc, and left with about £1300 after my other bills. Saints is costing me a fortune, about £100 every Saturday home game once the **** up has finished, and away games are expensive! Didn't get any change from £200 for Millwall away, and we won £650 between 5 of us! Link to comment Share on other sites More sharing options...
Draino76 Posted 24 March, 2012 Share Posted 24 March, 2012 No comment. Link to comment Share on other sites More sharing options...
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